RF银行信贷业务创新研究
发布时间:2018-03-17 21:39
本文选题:城区农村合作金融机构 切入点:RF银行 出处:《山东大学》2013年硕士论文 论文类型:学位论文
【摘要】:农村合作金融机构是我国农村金融体系的重要组成部分,其中,城区农村合作金融机构在我国城乡一体化发展过程中发挥着越来越重要的作用。近年来,城区农村合作金融机构充分发挥差异化市场定位优势,建立创新研发体系和技术平台,持续开展金融产品和服务创新,在特色行业、优势产业领域逐步创立了服务品牌。但由于历史因素、区位因素等诸多方面的制约,城区农村合作金融机构发展面临诸多难题。面对城区强大的竞争对手,城区农村合作金融机构要取得突破性的进步,必须以传统信贷业务的创新为出发点。 论文以案例剖析为主线,规范分析和实证分析方法为辅助,对RF银行信贷创新问题进行了深入剖析和研究。论文按照“提出问题、分析问题、解决问题”的思路,在第一章通过研究背景和意义,提出问题—即研究信贷创新的重要意义:当前信贷业务仍是RF银行主要的盈利来源,面对城区激烈的市场竞争,要提高市场竞争力必须以信贷创新为出发点。第二章和第三章为分析问题部分,第二章通过梳理信贷创新相关理论,为问题分析奠定了理论基础,并认为国内外关于农村合作金融机构的研究虽然越来越多,但单纯对于城区农村合作金融机构信贷创新问题研究相对较少;第三章通过案例进行实践分析,以案例剖析为主线,规范分析和实证分析方法为辅助,对RF银行信贷创新的经验进行总结,并对组织体系、业务流程、产品设计、队伍建设等方面的问题进行深入剖析。第四章和第五章重在解决问题。在第四章,通过分析内外部环境和银行发展战略对信贷创新的影响,提出差异化战略是信贷创新的最佳选择,并提出要围绕差异化战略,根据客户定位和客户价值差异化的要求,加快信贷产品和服务的创新,并从信贷创新理念、创新产品等方面,提出信贷创新的系统设计方案;第五章,从完善创新机制、打造信贷品牌、提高风控水平、提升服务效率、加强队伍建设等方面提出了全面系统的保障措施。在研究过程中,论文从RF银行增强市场竞争力、支持实体经济发展、扶持中小微企业等角度来研究信贷创新问题,为国内金融创新研究提供了一个新的视角。
[Abstract]:The rural cooperative financial institutions is an important part of China's rural financial system in city, rural cooperative financial institutions play an increasingly important role in the development process of China's urban and rural integration. In recent years, the city of rural cooperative financial institutions fully differentiated market positioning, establishing innovation system and technology platform, continued to carry out innovative financial products and services, the characteristics of the industry, industry field gradually set up the service brand. But because of historical factors, restricting the aspects of location factors such as the development of rural cooperative financial institutions are facing many problems. In face of strong competition, urban rural cooperative financial institutions to achieve breakthrough progress, must be based on the innovation of traditional credit business as a starting point.
Based on the case analysis as the main line, normative analysis and empirical analysis method for auxiliary, the credit innovation RF bank conducted in-depth analysis and research. According to "raise problems, analyze problems, solve the problem of" the idea, in the first chapter, the research background and significance, important problem that research on credit Innovation: the current credit business is still the main profit source of RF bank, the city facing the fierce market competition, to improve the market competitiveness of the credit must take innovation as the starting point. The second chapter and the third chapter is the analysis part of the problem, the second chapter through analyzing the credit innovation theory, laid the theoretical foundation for the analysis of problems, and that the study on the rural cooperation although the financial institutions at home and abroad more and more, but only for the study of the problem of urban credit innovation of rural cooperative financial institutions is relatively small; the third chapter through the case Practice analysis, case analysis as the main line, normative analysis and empirical analysis method for auxiliary, RF bank credit innovation experience were summarized, and the organization system, business process, product design, in-depth analysis of team construction and other issues. The fourth chapter and the fifth chapter focuses on solving the problem. In the fourth chapter, through the analysis of the influence of the external environment and the development strategy of the Bank of credit innovation, puts forward the differentiation strategy is the best choice for credit innovation, and proposed to focus on the differentiation strategy according to the requirements of customer orientation and customer value differences, accelerate innovation of credit products and services, and credit from the concept of innovation, innovative products. The proposed system design credit innovation; the fifth chapter, from the perfect innovation mechanism, build brand credit, improve the level of risk control, improve service efficiency, strengthen team construction and put forward a comprehensive The guarantee measures of the system. During the research process, the paper studies the credit innovation problem from the perspective of RF bank's market competitiveness, supporting the development of the real economy, supporting small and micro businesses, and provides a new perspective for domestic financial innovation research.
【学位授予单位】:山东大学
【学位级别】:硕士
【学位授予年份】:2013
【分类号】:F832.4
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